Membership in the credit union is voluntary and is open to all citizens bound by with joint work or residence, who wished to create a credit union to use its services and are willing to take on relevant commitments and responsibilities. Credit unions encourage savings of citizens, setting compensation payments (interest) on savings and provide from these savings loans to their members. Credit union services are available only to its shareholders. Credit Union - a non-profit financial institution specialized in mutual financial assistance by providing savings and credit services to their members.